Dmini7 wrote:Also, UVA will end up around 60k more after including living expenses. Your co-signer is crazy to think giving up the national portability of UVA, and better average outcome is worth saving that 60k.

rfar1815 wrote:I've been sitting at complete since 1/16. Applied 12/4. 169, 3.9xAnyone else with high numbers being held? I mean, I'm 90% I'm going to Vandy, but still... This was supposed to be a safe school for me lol.

Look at last year's profiles, the only people who applied with 168+ who got waitlisted, and didn't apply super late, were people who applied to a BUNCH of schools. I'm guessing its some form of yield protection, maybe it applies to you. Especially if theres no C&F issues etc.

WokeUpInACar wrote:No, Danitt is international so private loans are her only option.

To think I kept my credit score high all these years for nothing!

I hope you end up getting a substantially lower interest rate. That would make it worth it in the end.

6.8/7.9% is an out-fucking-rageous rate for the government to be charging students.

Dat lack of assets

It is outrageous, but it exists because A. we don't have any collateral to put up like for house/car loans and B. responsible students basically end up covering some of the cost from the many irresponsible students who default.

andy261 wrote:It is outrageous, but it exists because A. we don't have any collateral to put up like for house/car loans and B. responsible students basically end up covering some of the cost from the many irresponsible students who default.

The government takes a loss (I think it was like 10 cents on every dollar) on student loans, but it's actually a lot more lucrative than other types of government loan programs, mostly because it's nearly impossible to escape repayment. It's going to be really interesting to see how they reform the system once repayment rates start plummeting, and whether or not they'll start differentiating between schools and degrees.

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?

never.

You could try to see if a credit card company would extend credit, but unless you have a job, that's pretty difficult in this economy without having a ton of fees and shit that wouldn't make it worth it. Either find a credit card that you won't have to pay any fees or interest on if you pay down your balance every month, or don't worry about it.